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Full coverage automobile insurance in Arkansas is made up of several different parts. A full coverage policy includes liability insurance (required of every driver in the state of Arkansas), collision coverage, comprehensive coverage, and uninsured motorist (UM) coverage.

How much of each type of insurance you are required to carry will depend to a large degree on whether your vehicle is financed by a bank or other lender, the age and value of your vehicle, the cost and difficulty of making repairs to your vehicle, the likelihood of your vehicle being stolen, whether your vehicle is garaged at night, the location in which you live and drive, the number of miles you drive each month, and by your deductible – among other things.

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